The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$30,548
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,498
−HK$966/mo
Today · 4.125%
HK$32,464
baseline
▲ 0.50% · 4.625%
HK$34,439
+HK$1,975/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,928/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,985
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,896
−HK$925/mo
Today · 4.125%
HK$35,821
baseline
▲ 0.50% · 4.625%
HK$37,709
+HK$1,888/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,642/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,658
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,798
−HK$1,159/mo
Today · 4.125%
HK$38,957
baseline
▲ 0.50% · 4.625%
HK$41,327
+HK$2,370/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,914/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,781
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,875
−HK$1,110/mo
Today · 4.125%
HK$42,985
baseline
▲ 0.50% · 4.625%
HK$45,250
+HK$2,265/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$85,970/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,767
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,098
−HK$1,351/mo
Today · 4.125%
HK$45,449
baseline
▲ 0.50% · 4.625%
HK$48,215
+HK$2,766/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$90,898/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,578
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,854
−HK$1,295/mo
Today · 4.125%
HK$50,149
baseline
▲ 0.50% · 4.625%
HK$52,792
+HK$2,643/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$100,298/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,987
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$56,697
−HK$1,738/mo
Today · 4.125%
HK$58,435
baseline
▲ 0.50% · 4.625%
HK$61,990
+HK$3,555/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$116,870/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,172
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,813
−HK$1,664/mo
Today · 4.125%
HK$64,477
baseline
▲ 0.50% · 4.625%
HK$67,876
+HK$3,399/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$128,954/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,381 · Scale 2, in force from 26 Feb 2026)